got a letter from citi bank (Soiux Falls SD) , they are closing my shell account ,apparentlly they feel that my ratio of revovling balances to credit limits is to high , ( my ratio is not at all ) and they are not even taking into account that according to Equifax we have a " very good " credit score. or the fact that we have never been late or even missed a payment on ANY of our accounts.

i've called and can not get to talk to anyone higher than some stupid senior member service manager that does not know what the hell he is taking about. He kept on telling me that it is the problem of Equifax and that i had to call them . even after i told him that in the letter, it states, that Equifax played no part in the decision making.

So if this is the kind of people that these companies have working from them, We are all in trouble.